Return/Refund Policy You must send in a written request within 3 days from the date of your purchase to receive a refund for your Membership. Send your written request to: Pictomoney, Inc., P.O. Box 5233, Atlantic City, NJ 08404

Delivery Products are delivered online as a download or mailed.Privacy Statement Your name, address, phone number and personal information is held in strict confidence and will not be sold or given to any company or individual for any reason or purpose.

Banking Policy We accept US Currency and transactions only occur through US banks in the US or with their offices in other countries at the present time.We accept payment and can pay commissions also through Payza . www.payza.com

Shipping and Handling There is no shipping or handling.

***WITH US, YOU HAVE NO COMPETITION AND NO QUOTAS TO FILL!!! Policies and Procedures SECTION ONE: MEMBERSHIP STATUS 1.01

BECOMING A MEMBER An applicant becomes a Member of Pictomoney when the applicant’s completed Application and has been received and accepted by the Company, by Internet or by mail, at its Home Office. Company reserves the right to decline any Application for any reason, at its sole discretion.Member uses his/her best effort to promote services of Company to consumers pursuant to the Application and Job Description at the company website within these Terms and Conditions. In doing so, Member will maintain the high standards of honesty, and integrity and business ethics when dealing with Consumers, Company or other Company Members. 1.02

NO INITIAL PURCHASE OF PRODUCTS IS REQUIRED except to purchase the Pictomoney Bimonthly Newsletter. No initial fee, charge or purchase is required to only become a Member. The $32.49 is for the Membership Kit for members offline, username and password for access to our back office for members online and for access to our marketing materials. The $35.00 Monthly Access Fee is billed in two $17.50 debits on approximately the 3rd and the 20th of each month. It is for access to our business relationships, marketing materials, the website, downline statements and the Free Online Gallery plus technical support. 1.03

MEMBERS OBLIGATIONS & RIGHTS members are authorized to recommend and refer Company products and services and company endorsed products and services and to participate in the Membership Compensation Plan. members may sponsor 5 new members per activated Membership and activate up to 16 Memberships in their name and company name. 1.04

NO SEXUAL HARRASSMENT OR DESCRIMINATION OF RACE CREED OR RELIGION IS ALLOWED TOWARD MANAGEMENT, MEMBERS, VENDORS AND OFFICERS OF PICTOMONEY, INC.

LEGAL AGEMembers must be of legal age in the state of their residence. 1.05

DIVORCE When a couple sharing a Membership entity divorces or separates, Company will continue to pay commission checks in the same manner as before the divorce or separation until it receives written notice signed by both parties or a court decree which specifies how future commission checks should be paid, provided and if applicable, the couple has complied with the requirements of Section 5.03. 1.06

CORPORATIONS, PARTNERSHIPS & TRUSTS Corporations, partnerships, limited liability companies or other forms of business organizations or trusts may become Members of Company when the Agreement is accompanied by a Federal ID number. Shareholders, directors, officers, partners, members, beneficiaries and trustees, as applicable of Membership entity must agree to hold such title, and Company will hold each personally liable and bound by this Agreement of Terms and Conditions. 1.07

FICTITIOUS OR ASSUMED NAMES A person or entity may not apply as Membership using a fictitious or assumed name. 1.08

INDEPENDENT CONTRACTOR STATUSMembers are Independent Contractors responsible for determining their own activities without direction or control by Company. They are not franchisees, joint venture, partners, employees or agents of Company and are prohibited from stating or implying, whether orally or in writing, otherwise. Members have no authority to bind Company to any obligation. Company is not responsible for payment or co-payment of any employee benefits. Members are responsible for liability, health disability and worker’s compensation insurance. Members set their own hours and determine how to conduct business, subject to Company Application, and Terms and Conditions. 1.09

TAXATION As Independent Contractors, Members will not be treated as franchisees, owners, employees or agents of Company for Federal or State tax purposes including, with respect to the Internal Revenue Code, Social Security Act, Federal Unemployment Act, State Unemployment Acts or any other Federal, State, or local statute, ordinance, rule or regulation. At the end of each calendar year, Company will issue to each Member an IRS Form 1099, as required by law, or other applicable documentation for non-employee compensation as a Member. 1.10

MEMBER IDENTIFICATION NUMBERMembers are required by Federal Law to obtain a Social Security number or Federal ID number. Members will be identified by this number, or a company assigned number, for purposes of Company’s business. 1.11

LEGAL COMPLIANCEMembers must comply with all Federal, State and local statutes, regulations and ordinances concerning the operation of their business. Members are responsible for their own managerial decisions and expenditures including all estimated income and self-employment taxes. 1.12 NO

EXCLUSIVE TERRITORIES No franchise is granted and there are no exclusive territories for sales or sponsoring purposes. No geographical limitations exist on spon¬soring or selling within the United States; provided, however, that Company re¬serves the right not to sell product or services or contract with Members in specified states within the United States.

SECTION TWO: TERM & RENEWAL 2.01

TERM Subject to the terms of Section 4.01, the Application shall have a term which shall begin on the date of acceptance by Company and the membership is on a month to month basis from the date thereof (the “Anniversary Date”). 2.02

RENEWALMembers must renew monthly by paying their activation fee on time, on the Anniversary Date and Member has the right to decline to accept any renewal at its sole discretion. Company may require that Members execute a new Application upon renewal. Members not renewing by the renewal date shall be deemed to have voluntarily terminated their Member relationship with Company, and thereby lose their Membership entity, all sponsorship rights, their position in the Compensation Plan and all rights to commissions and bonuses. Members who fail to renew their Member status must then reapply under a new sponsor and start over and they loose their previous down line.

SECTION THREE: SPONSORSHIP 3.01

SPONSORINGMembers may sponsor other Members into Company’s business. Members must ensure that each potential new Member has reviewed and has had access to the current Terms and Conditions and Compensation Plan prior to or when giving the individual an Application. 3.02

REFERRALS/MULTIPLE APPLICATIONS?$50.00 Gift Card If an applicant submits multiple Members and is their sponsor, after the referral joins and is active for 6 months from the date of joining, the sponsor will be eligible for a $50.00 gift card from one of Pictomoney, Inc.’s affiliates. 3.03

TRAINING REQUIREMENT A Sponsor must maintain an ongoing professional leadership in association with Membersthey refer (5 per activated Membership) and must fulfill the obligation of answering their questions and being friendly. 3.04

INCOME CLAIMSMembers must truthfully and fairly describe the Compensation Plan. Actual income claims may be made to prospective Members. Commission checks with the signature with void written on it may be used as marketing materials. Members use their own income as indications of the success assured to others by writing “Copy” in big letters across the middle of their check. Members may verify commissions but not estimate expenses to prospects except one ad cost every other week. 3.05

TRANSFER OF SPONSORSHIP: The company does not permit the transfer of sponsors. Network Marketing is a business of creating relationships. Once a Member is sponsored, the company believes in maximum protection of that relationship. The only exception is upon prior written approval of Company to correct ethical violations as determined at the sole discretion of Company. 3.06

CROSS SPONSORINGMember can sponsor, or attempt to sponsor, any person or Members in any other Network Marketing Company.

SECTION FOUR: RESIGNATION/TERMINATION 4.01 VOLUNTARY RESIGNATION a) Member may voluntarily terminate his or her Member status by failing to renew or by sending thirty (30) days written notice of such resignation or termination to Company. Voluntary resignation is effective upon receipt of such notice by Company. b) Member who resigns or terminates their Member status may reapply as Member one month after resignation, but has to start over as a new Member. 4.02

SUSPENSION: Member may be suspended for violating the terms of his or her Agreement, which includes these: the Terms and Conditions and the Compensation Plan and other documents like the application form produced by Company. When a decision is made to suspend a Member, the Company will inform the Member in writing that the suspension has occurred effective as of the date of the written notification, the reason for the suspension and the steps necessary to remove such suspension (if any). The suspension notice will be sent to the Members “address on file” pursuant to the notice provisions contained in the Policies and Procedures and Terms and Conditions. Such suspension may or may not lead to termination of the Member as so determined by Company at its sole discretion. If the Member wishes to appeal, Company must receive such appeal in writing within fifteen (15) days from the date of the suspension notice. Company will re¬view and consider the suspension and notify the Member in writing of its decision within thirty (30) days from the date of the suspension notice. The decision of Company will be final and subject to no further review. Company may take certain action during the suspension period, including, but not limited to, the following: a) Prohibiting the Member from holding himself or herself as Member or using any of Company’s proprietary marks and/or materials; b) Withholding commissions and bonuses that are due the Member during the suspension period; c) Prohibiting the Member from purchasing services and products from Company; and/or; d) Prohibiting the Member from sponsoring new Members, contacting current Members or attending meetings of Members. If Company, at its sole discretion, determines that the violation which caused the suspension is continuing, and has not satisfactorily been resolved or a new violation involving the suspended Member has occurred, the suspended Member may be terminated. 4.03

TERMINATIONMember may be immediately terminated for violating the terms of his or her Application Agreement, which includes these: Terms and Conditions and the Compensation Plan and other documents produced by Company like the application form produced by the Company upon written notice. Company may terminate a violating Member without placing the Member on suspension, at Company’s sole discretion. When the decision is made to terminate Member, Company will inform the Member in writing at the address in the Member’s file that the termination has occurred. 4.04

APPEAL If Member wishes to appeal the termination, Company must receive the appeal in writing within fifteen (15) days from the date of notice of termination. If no appeal is received within the fifteen (15) day period, the termination will automatically be deemed final. If Member files a timely notice of appeal, Company will review the appeal and notify the Member of its decision within ten (10) days after receipt of the appeal. The decision of Company will be final and subject to no further review. In the event the termination is not rescinded, the termination will remain effective as of the date stated in the original termination notice. 4.05

EFFECT OF TERMINATION Immediately upon termination, the terminated Member: a) Must remove and permanently discontinue the use of the trademarks, service marks, trade names and any signs, labels, stationary or advertising referring to or relating to any product, plan or program of Company. b) Must cease representing themselves as Member of Company; c) Loses all rights to his or her Member position in the Compensation Plan and to all future commissions and earnings resulting there¬from; d) Must take all action reasonably required by Company relating to protection of Company’s confidential information. Company has the right to offset any amounts owed by Member to Company including, without limitation, any indemnity obligation incurred pursuant to Section 11.01 herein, from commissions or other compensation due to the Member. 4.06

REAPPLICATION The acceptance of any reapplication of a terminated Member or the application of any family member of a terminated Member shall be at the sole discretion of Company and can be denied. If a Member does not pay their Monthly Access ( Membership) Fee on time they have to start over in the genealogy as a brand new Member and they loose their previous position in the line. 4.07

STATE LAWS Where state laws on termination are inconsistent with this policy, the applicable state law shall apply.

SECTION FIVE: TRANSFERABILITY 5.01

ACQUISITION OF BUSINESS Any Distributor can have two Memberships and can aquire another’s by purchasing it as one of their two Memberships but not more. All such transactions must be fully disclosed and must be approved by Company in advance. 5.02

TRANSFERS OF MEMBERS Except as expressly set forth herein, Member may sell, assign or otherwise transfer his or her Member entity (or rights thereof) to another Member or to an individual which has an interest in Member entity, and the membership/memberships are willable.5.03

CONDITIONS TO TRANSFERABILITYMembers may sell, assign, or transfer his or her Member entity (or rights thereto) with the prior written approval of Company and compliance with the following conditions The membership/memberships are willable. : a) Company possesses the right of first refusal with respect to any sale, assignment, transfer or merger of any Member entity. Member wishing to sell, assign, or transfer his or her Member entity must first provide Company with the right and option to make such a purchase or receive such transfer in writing on the same terms and conditions as any outstanding or intended offer. Company will advise the Member within ten (10) business days after receipt of such notice of its decision to accept or reject the offer. If Company fails to respond within the ten (10) day period or declines such offer, the Member may make the same offer or accept any outstanding offer which is on the same terms and conditions as the offer to Company to any person or entity who is a Member with only one Membership or who is not Member but has an interest in being a Member; b) The selling Member must provide Company with a copy of all documents which detail the transfer, including, without limitation, the name of the purchaser, the purchase price and terms of purchase and payment; c) An office administration transfer fee of $100.00 must accompany the transfer documents; d) The documents must contain a covenant made by the selling Member for the benefit of the proposed purchaser not to compete with the purchaser or attempt to divert or sponsor any existing Member for a period of one (1) year from the date of the sale or transfer; e) Upon a sale, transfer or assignment being approved in writing by Company, the buying Member must assume the position and terms of agreement of the selling Member and must execute a current Agreement and all such other documents as required by Company; and f) Company reserves the right, at its sole discretion, to stipulate additional terms and conditions prior to approval of any proposed sale or transfer. Company reserves the right to disapprove any sale or transfer, where allowed by law. 5.04

CIRCUMVENTION OF POLICIES If it is determined, at Company’s sole discretion, that Member entity was transferred in an effort to circumvent compliance with the Agreement, Terms and Conditions or the Compensation Plan, the transfer will be declared null and void. The Member entity will revert back to the transferring Member, who will be treated as if the transfer had never occurred from the reversion day forward. If necessary and at Company’s sole discretion, appropriate action, including, without limitation, termination, may be taken against the transferring Member to ensure compliance with the Terms and Conditions. 5.05

SUCCESSION Notwithstanding any other provision of this Section, upon the death of Member, the Membership will pass to his or her successors in interest as provided by law. However, Company will not recognize such a transfer until the successor in interest has executed a current Application Agreement and submitted certified copies of the death certificate, will, trust or other instrument required by Company. The successor will thereafter be entitled to all the rights and be subject to all the obligations of a Company Member. If the Successor already has 16 memberships then the 17th Membership would have to be sold to someone who doesn’t have 16 Memberships. 5.06

RE-ENTRY Any Member who transfers his or her Membership must wait for one month after the effective date of such transfer before becoming eligible to reapply to become a Member.

SECTION SIX: PROPRIETARY INFORMATION 6.01

CONFIDENTIALITY AGREEMENT During the term of the Agreement, Company may supply to Members confidential information, including, but not limited to genealogical and Down line reports, customer lists, customer information developed by Company or developed for and on behalf of Company by Members (including, but not limited to, credit data, customer and Member profiles and product purchase information), Member lists, manufacturer and supplier information, business reports, commission or sales reports and such other financial and business information which Company may designate as confidential. All such information (whether in written or electronic format) is proprietary and confidential to Company and is transmitted to Members in strictest confidence on a “need to know” basis for use solely in Member’s business with Company. Members must use their best efforts to keep such information confidential and must not disclose any such information to any third party, or use this information for any non-company activity directly or indirectly while a Member and thereafter.Members must not use the information to compete with Company or for any purpose other than promoting Company’s program and its products and services. Upon expiration, non-renewal or termination of the Application Agreement, Members must discontinue the use of such confidential information and promptly return any confidential information in their possession to Company. 6.02

COPYRIGHT RESTRICTIONS With respect to product purchases from Company, Members must abide by all manufacturers’ use restrictions and copyright protections. 6.03

VENDOR CONFIDENTIALITY Company’s business relationships are provided in the Company website.

SECTION SEVEN: TRADEMARKS, LITERATURE & ADVERTISING 7.01

TRADEMARKS Company’s name trademarks, service marks and copyrighted materials are owned by the Company. The use of such marks and materials must be in strict compliance with these Policies and Procedures. 7.02

ADVERTISING & PROMOTIONAL MATERIALS Promotional and advertising materials produced by Company or yourself are your responsibility and may be used to advertise or promote a Member’s business or to sell products and services of Company. 7.03

USE OF COMPANY NAMEMembers may use the name of Company only in the following format: Independent Member of $Pictomoney, Inc. 7.04

STATIONERY AND BUSINESS CARDSMembers are permitted to “create” their own stationery, business cards or letterhead graphics, if Company’s trade name or trademarks are used. Using the approved Company’s graphics version and wording are permitted. The Font is Trebuchet MS for Pictomoney, Inc. A template for business cards is found at the website under Tools, see Business Card Template. 7.05

ELECTRONIC ADVERTISINGMembers can advertise or promote their Member business or Company’s business, products or marketing plan or use Company’s name in any electronic media or transmission, including on the Internet via web sites or otherwise, without the prior written approval of Company’s legal department. There will be no spam email, bulk email it is not necessary to promote Company business. 7.06

TELEPHONE LISTINGMembers are not permitted to use Company’s trade name in advertising their telephone and fax numbers in the white or yellow page sections of the telephone book. Members are not permitted to list their telephone numbers under Company’s trade name without first obtaining Company’s prior written approval. If approval is granted for an “800” listing, it must be stated in the following manner: Independent Member of Pictomoney, Inc. 7.07

TELEPHONE ANSWERINGMembers may not answer the telephone by saying “Pictomoney,” or in any other manner that would lead the caller to believe that he or she has reached the offices of the Company. 7.08

IMPRINTED CHECKSMembers are not permitted to use Company trade name or any of its trademarks or service marks on their business or personal checking accounts. 7.09

MEDIA INTERVIEWSMembers are prohibited from granting radio, television, newspaper tabloid or magazine interviews or using public appearances, public speaking engagements, or making any type of statement to the public media to publicize the Company, its products or Company businesses, without the express prior written approval of Company. All media inquires should be in writing and referred to Company’s corporate office or legal department. 7.10

ENDORSEMENTS No endorsements by a Company officer or administrator or third party may be asserted, except as expressly communicated in Company literature and communications. Federal and State regulatory agencies do not approve or endorse home based businesses or programs. Therefore, Members may not represent or imply, directly or indirectly, that Company’s programs, products or services have been approved or endorsed by any governmental agency. 7.11

RECORDINGSMembers may not produce or reproduce for sale any Company-produced literature, audio or video material, presentations, events or speeches, including conference calls. Video and/or audio taping of Company meetings and conferences is strictly prohibited. 7.12

REPACKAGING PROHIBITEDMembers may not repackage materials of Company. Members can photocopy the application form, flyer, business card template and 4 page mailer found at the website. 7.13

INDEPENDENT COMMUNICATIONS Independent Members of Pictomoney, are encouraged to distribute information and direction to their respective 5 person down lines. However, Members must identify and distinguish between personal communications and the official communications of Company.

SECTION EIGHT: PAYMENT OF COMMISSIONS 8.01

COMMISSION PLAN STRUCTURE The commissions paid are subject to change according to the fluctuating level of profits earned by Pictomoney, Inc. and interest rates available in the current banking industry.

BASIS FOR COMMISSIONS Commissions and other compensation cannot be paid until a completed Application Agreement has been received and accepted by Company. Commissions are paid ONLY on Pictomoney, Inc.’s sale of Company Membership Services, including a Company Newsletter, sharing the affiliate merchant commissions that the company earns, profits from sales of other products at the website and interest from any interest bearing account or fund that the company may own and for sponsoring 5 Members you increase the Company’s volume and you are compensated with a $50.00 gift card for each 5 referrals for each activated Membership. In order to receive commissions on the total Company’s Membership products and services sold, Company must have received and accepted an Application Agreement prior to the end of the commission period in which the commissions are paid. 8.02

COMMISSION PERIOD Commission are paid biweekly. A business period refers to the time period opening on the first (1st) day of the commission period and extending up until order entry closes on the last business day of the period (5:00 p.m.). Company offices are open Monday through Friday 9 a.m.-5 p.m. EST, with the exception of certain holidays as posted by Company. 8.03

COMMISSION PAYMENTS Commissions are paid bimonthly to “qualified” Members as defined within the Compensation Plan in the right margin of the website, www.pictomoney.com/info/. Members must consult the Compensation Plan at the website for a detailed explanation of the benefits, commission structure and requirements of the Compensation Plan. 8.04

COMMISSION PAYMENTS MISSED COMMISSIONS If a member misses a payment they have 15 days to make a payment, postmarked no later than fifteen days after that payment was due. They keep their position in the line, but forfeit that pay period’s commission. 8.05

COMMISSIONSIf a Member terminates his or her Membership entity, or is suspended, any commissions earned will be paid in a final check. 8.06

RETAIL SALES RULES We have no retail sales, just new sign ups. 9 .03 70%

RULE In order to receive commission Members must maintain their Monthly Membership Activity Fee and be willing to answer questions for their down line. They can have up to 16 memberships. 9.04

ORDERING METHODS All Memberships submitted to Company are started with an application form. 9.05

PAYMENT OPTIONSMembership purchases may be paid by cashier’s check, money order, or major credit card or debit card using www.payza.com . The Members are responsible for paying the costs of any returned checks plus an administrative fee charged by Company, which fee may change at any time based on past payment history of the customer. If an underpayment is made, the Membership will not be processed until the full amount is received by Company. If an overpayment is made, Company will process the Membership and issue a credit to Member’s account, which will automatically refund on the next commission check or direct deposit paid to Member. Orders will not be processed if cancellation of a payment is made. To expedite bimonthly processing, Members may authorize Company to keep a valid credit card on file as security for payment. 9.06

SHIPPING AND HANDLING POLICY Subject to availability all offline Membership Kits will be shipped by UPS or other similar service within approximately three (3) business days of receipt of payment. Payment for products through our affiliates at our website or list of 800 numbers shall be made at time of order. 9.07

PRODUCT DELIVERY Upon clearance of payment, the affiliate products and materials ordered will be shipped. 9.08

BACK ORDER POLICYAffiliate Company will expeditiously ship all products currently in stock. Any out-of-stock items (unless discontinued) will be placed on back order and distributed upon Company receiving additional inventory. Back orders may be canceled upon Member’s request to the affiliate company and will create a credit on the Member’s account. 9.09

DAMAGED GOODS The shipping company is responsible for any damage that occurs after it takes physical custody of the products. A Member who receives damaged goods should follow this procedure: a) Accept delivery; b) Before the driver leaves, document on the delivery receipt the number of boxes which seem to be damaged and have the driver acknowledge the damage in writing; c) Save the damaged products or boxes for inspection by the shipping agent; d) Make an appointment with the shipping company to have the damaged goods inspected, and call the Company Customer Service Department. 9.10

SHIPPING LOSS In the event Member or a consumer does not receive a product order from Company in a timely fashion, the individual should contact the Sales Department at Affiliate. 9.11

REFUSED SHIPMENTS Should Member refuse delivery on any order he or she has placed with an Affiliate and such product is subsequently returned to Affiliate Company then Affiliate Company will issue a refund. 9.12

RECEIPTSMembers can review their commission statements as proof of receipt of payment of Membership Fees. 9.14

RETAIL PRICINGThere is no retail pricing for Membership Fees. 9.15

PROMOTIONAL ITEMS All promotional items which bear Company name or logo must be purchased solely from Company unless prior written permission is obtained from Company. 9.16

SALES TAX Company collects sales tax on taxable items only for Members that are residents of the state of NJ. Outside, Members are responsible to collect and remit sales tax on personal retail sales to the appropriate tax agencies. 9.17

PLACE OF SALE The integrity of Company’s marketing plan is built upon person-to-person. Company’s services may be displayed by any retail outlet, including, but not limited to supermarkets or food stores, flea markets or swap meets, permanent restaurant displays, bars or night clubs or any such similar establishment, convenience stores or gas stations with permission from the owner of the store. 9.18

PRODUCT & SERVICES CLAIMSMembers may make no claim, representation or warranty concerning any product or service of Company, except those expressly approved in writing by Company or contained in official Company materials. 9.19

MEMBERSHIP GUARANTEECompany offers a thirty (3) day, 100% money-back, and satisfaction guarantee to all Members. If Member wants to terminate and receive a refund they must submit in writing within 3 days. All other warranties and guarantees are disclaimed. 10.02

WARRANTIES Except as expressly stated herein, Company makes no warranty or representation as to the merchantability, fitness for a particular purpose, workmanship or any other warranty concerning any product or service purchased from or through Company or any Affiliate Company. 10.03

RETURN POLICIES To return products you must speak to the Affiliate Company. 10.04

BUYER’S RIGHT TO CANCEL Federal law grants a buyer the right to cancel certain sales without penalty prior to midnight of the third business day after the transaction. This rule covers retail consumer sales of $25.00 or more that occur away from the seller’s main office. Members must orally inform the buyer of the three-day right to cancel at the time the buyer purchases the goods and deliver 2 three-day cancellation notices to every customer.

SECTION ELEVEN: GENERAL PROVISIONS 11.01 INDEMNITY AGREEMENT Each and every Member agrees to indemnify and hold harmless Company, its officers, directors, employees, agents and successors in interest from and against any claim, demand, liability, loss, cost or expense including, but not limited to, court costs and attorneys’ fees, asserted against or suffered or incurred by any of them, directly or indirectly arising out of or in any way related to or connected with allegedly or otherwise, the Members (a) activities as Member; (b) breach of the terms of the Agreement; and/or (c) violation of or failure to comply with any applicable federal, state or local law or regulation. 11.02

PROCESSING CHARGES Company reserves the right to institute a processing charge for commission checks and/or genealogy requests. 11.03

OTHER SERVICES & PRODUCTSMembers can promote or sell another company’s products or services at functions organized to feature Company’s products. Members are not restricted from selling other company’s services and products which are not similar to or competitive with the products and services of Company. 11.04

LIABILITY To the extent permitted by law, Company shall not be liable for, and each Member releases Company from, and waives all claims for any loss of profits, indirect, direct, special or consequential damages or any other loss incurred or suffered by Member as a result of (a) the breach by Member of the Agreement and/or the Terms and Conditions and/or the Policies and Procedures; (b) the operation of Member’s business; (c) any incorrect or wrong data or information provided by Member; or (d) the failure to provide any information or data necessary for Company to operate its business, including, without limitation, the enrollment and acceptance of Distributor into the Compensation Plan or the payment of commissions and bonuses. The company is not liable for hackers or acts of God, climate disasters and other catastrophes that would make the commissions not payable on time.**********11.04(a) Every measure will be taken to give security to avoid such disasters. We recommend on the info.pictomoney.com page that members take Life Lock or other ID protection for their Social Security or Tax ID number and that they use a prepaid card or debit card from their bank and only have a $500.00 balance in it for their own protection. 11.05

RECORDKEEPING Company encourages all Members to keep complete and accurate records of all their business dealings. 11.06

FORCE MAJEURE Company shall not be responsible for delays or failure in performance caused by circumstances beyond a party’s control, such as but not limited to: fire, flood, earthquake, storm, power outages, labor difficulties, strikes, war, government decrees or orders and/or curtailment of a party’s usual source of supply. 11.07

VIOLATIONS It is the obligation of every Member to abide by and maintain the integrity of the Policies and Procedures and Terms and Conditions. If Member observes another Member committing a violation, he or she should discuss the violation directly with the violating Member. If the Member wishes to report such violation to Company, he or she must detail violations in writing only and mark the correspondence “Attention: Legal Department”. 11.08

AMENDMENTS Company reserves the right to amend the Agreement, Terms and Conditions, its prices, product and service availability and the Compensation Plan type at any time without prior notice as it deems appropriate. Amendments will be communicated to Distributors through official Company website and or official Company publications. Amendments are effective and binding upon submission to the Company website. In the event any conflict exists between the original documents or policies and any such amendment, the amendment will control. 11.09

NON-WAIVER PROVISION No failure of Company to exercise any power under these Terms and Conditions or to insist upon strict compliance by Member with any obligation or provision herein, and no custom or practice of the parties at variance with these Terms and Conditions, shall constitute a waiver of Company’s right to demand exact compliance with these Terms and Conditions. Company’s waiver of any particular default by Member shall not affect or impair Company’s rights with respect to any subsequent default, nor shall it affect in any way the rights or obligations of any other Member. No delay or omissions by Company to exercise any right arising from a default effect or impair Company’s rights as to that or any subsequent or future default. Waiver by Company can be affected only in writing by an authorized officer of Company. 11.10

GOVERNING LAW The Agreement and these Terms and Conditions shall be governed by the laws of the State of NJ. 11.11

DISPUTES In the event a dispute arises between the Company and a Member regarding their respective rights, duties under this agreement, or in the event of a claim of breach of the Member Agreement, it is agreed that such dispute shall be exclusively resolved pursuant to binding arbitration under the Commercial Rules of the American Arbitration Association with arbitration to occur at Egg Harbor Township, NJ United States . The Arbitrator may award, in addition to declaratory relief, contractual damages and shall award reasonable attorney’s fees and costs to the prevailing party. An award of attorney’s fees and costs shall continue through any review, appeal or enforcement of an arbitration decision. The arbitration decision may be enforced in any court of competent jurisdiction. This provision shall not be construed so as to prohibit either party from obtaining preliminary or permanent injunctive relief in any court of competent jurisdiction. The parties each expressly waive their right to collect consequential, punitive and exemplary damages from the other party. 11.12

ENTIRE AGREEMENT The Terms and Conditions are incorporated into the Agreement Application Form and, along with the Compensation Plan, constitute the entire agreement of the parties regarding their business relationship. 11.13

SEVERABILITY If under any applicable and binding law or rule of any applicable jurisdiction, any provision of the Agreement, including these Terms and Conditions, or any specification, standard or operating procedure which Company has prescribed is held to be invalid or unenforceable, Company shall have the right to modify the invalid or unenforceable provision, specification, standard or operating procedure or any portion thereof to the extent required to be valid and enforceable, and the Member shall be bound by any such modification. The modification will be effective only in the jurisdiction in which it is required. 11.14

LIMITATION OF DAMAGES TO THE EXTENT PERMITTED BY LAW, COMPANY AND ITS DISTRIBUTORS, OFFICERS, DIRECTORS, EMPLOYEES AND OTHER REPRESENTATIVES, SHALL NOT BE LIABLE FOR, AND MEMBER HEREBY RELEASE THE FOREGOING FROM, AND WAIVE ANY CLAIM FOR LOSS OF PROFIT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES WHICH MAY ARISE OUT OF ANY CLAIM WHATSOEVER RELATING TO COMPANY PERFORMANCE, NONPERFORMANCE, ACT OR OMISSION WITH RESPECT TO THE BUSINESS RELATIONSHIP OR OTHER MATTERS BETWEEN ANY COMPANY AND COMPANY, WHETHER SOUNDING IN CONTRACT TORT OR STRICT LIABILITY. COMPANY SHALL NOT EXCEED AND IS HEREBY EXPRESSLY LIMITED TO, THE AMOUNT OF UNSOLD COMPANY SERVICES AND/OR PRODUCTS OF COMPANY OWNED BY THE MEMBER AND ANY COMMISSIONS OWED TO THE MEMBER. 11.15

NOTICE Any communication, notice or demand of any kind whatsoever which either the Member or Company may be required or may desire to give or to serve upon the other shall be in writing and delivered by electronic communication whether by telex, telegram, Email or fax (if confirmed in writing sent by registered or certified mail, postage prepaid, return receipt requested). Any such communication, notice or demand shall be deemed to have been given or served on the date of confirmed dispatch, if by electronic communication, or on the date shown on the return receipt or by other evidence if delivery is by mail.

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Customer Cancellation Notice You may cancel this transaction, without penalty or obligation, within three (3) business days (Alaska residents five (5) days) from the date of signing the application. This cancellation notice cancels all subscription services and Member rights in Pictomoney, Inc.To cancel this transaction, certified mail, or fax a signed and dated copy of the original Agreement and a signed and dated copy of this cancellation notice to: Pictomoney, Inc. 3121-D Fire Road #165 Egg Harbor Township, NJ 08234 United StatesNo later than midnight three (3) business days after date of transaction.

Member/Seller: ___________________________________________

Member’s address: _________________________________________

Not later than Midnight of Date: ___________________ ,20___ (Date: 3 business days after date of order)

I hereby cancel this transaction. Date:___________________________

Applicant/Member’s Signature: ___________________________________

This transaction is non-refundable after the above stated cancellation date.